Heat a large skillet over medium-high heat. Add the ground beef to the skillet. Cook, breaking it up with a spatula, until browned and no longer pink; about 8 minutes. Drain any grease from the pan and return to the heat.
Stir in 2 tablespoons of taco seasoning and 1/2 cup water. Bring to a simmer and cook, stirring occasionally, until water is evaporated; 4-6 minutes. Remove from heat and let cool slightly.
Place refried beans into a small bowl and mash with a fork to soften. Stir in milk to thin the beans. Spread evenly onto the bottom of a 2-quart casserole dish (preferably clear glass).
Spread the taco meat over the beans.
Evenly spread the guacamole on top of the taco meat.
Mix 2 tablespoons of taco seasoning into the sour cream with a pinch of salt. Evenly spread on top of the guacamole.
Spread salsa over the sour cream.
Sprinkle shredded cheese over the salsa.
Top with shredded lettuce, sliced olives and diced tomatoes.
Serve with your favorite hearty tortilla chips.
Notes
Make sure to use a well blended salsa and drain any excess liquid from it.